Free Tool

Social Security Optimizer

Determine the optimal claiming strategy to maximize your lifetime benefits.

yrs
Your Full Retirement Age (FRA): 67

Delay to Age 70 for Maximum Lifetime Benefits

By waiting until age 70, you lock in the highest possible monthly payment ($3,100/mo) — 24% more than your full retirement age benefit. Over your projected lifetime, this yields approximately $558,000 in total benefits.

Earliest (Age 62)

$1,750/mo

Lifetime: $482,931

Full Retirement (Age 67)

$2,500/mo

Lifetime: $540,000

Maximum (Age 70)

$3,100/mo

Lifetime: $558,000

Lifetime Benefits by Claiming Age

Age 62
$482,931
Age 63
$494,934
Age 64
$503,937
Age 65
$519,960
Age 66
$531,981
Age 67
$540,000
Age 68
$550,800
Age 69
$556,800
Age 70
$558,000
OPTIMAL

This calculator provides estimates for educational purposes only. Actual Social Security benefits depend on your earnings history, COLA adjustments, and other factors. Consult your SSA statement or a financial advisor for personalized guidance.